Home Loans

Experience the feeling of home with a home loan solution unique to your needs, whether you’ve just found the perfect place to call your own or you’re ready to upgrade the space you already call home.
a man and woman looking out the window of their new home

The power of home.

The power of home.

Your home plays an important role in the setting of your story. Maybe your home is the first major purchase you’ll make as an adult. Or the space where you’ll see your child take their first steps. Or perhaps your home serves as a new chapter during a season of change. Whatever home means to you, we’re here to help you along the journey.

 

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Mortgage Loan

Nothing beats the feeling of comfort and security in the place you call home. If you’re looking for a new place to call your own or you want to refinance your existing mortgage, Lake Trust and our partners at Mortgage Center can help you.
INTEREST
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Purchase, refinance your existing debt, make home improvements, or use for other needs

Fixed-rate loans for predictable monthly payments over a specific term

Adjustable Rate Mortgage (ARM) is available if you’re looking for a loan with flexible payments

Learn more about available financing options1 from our partners at Mortgage Center

Explore resources1 about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Cash Out Refinance Loan

You may be able to refinance your home and get a lower rate or new term while also using the equity in your home to borrow additional funds. You can use these funds to make improvements to your house, or for another large purchase.
INTEREST
View current rates1
MINIMUM LOAN AMOUNT
$40,000
CONTACT MORTGAGE CENTER
MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Primary residence only

Learn more about available refinancing options1 from our partners at Mortgage Center

Explore resources1 about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Federal Housing Administration (FHA) Mortgage

If you have a lower credit score or you don’t plan to put a large down payment on your home, an FHA loan might be a great option to help you purchase a house you love. FHA loans also allow for gift funds from friends and family to put toward your down payment.
INTEREST
View current rates1
CONTACT MORTGAGE CENTER
MORE DETAILS
15- and 30-year fixed-rate terms available

Primary residence only

Learn more about available FHA financing options1 from our partners at Mortgage Center

Explore resources1 about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Family Helper Loan

If you have little or no credit, it’s still possible to qualify for a home loan. By adding a family member as a co-borrower and using their credit score, you may be able to apply and qualify for a mortgage to buy your home.
INTEREST
View current rates1
MINIMUM LOAN AMOUNT
$40,000
CONTACT MORTGAGE CENTER
MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Primary residence only with non-occupying co-borrower

Learn more about available financing options1 from our partners at Mortgage Center

Explore resources1 about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Home Renovation Loan

If your house needs a little love, a home renovation loan could help you upgrade or repair your place. By combining the renovation and mortgage costs into one loan, you won’t have to take out additional financing or worry about making two loan payments.
INTEREST
View current rates1
MINIMUM LOAN AMOUNT
$40,000
CONTACT MORTGAGE CENTER
MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Primary residence only

Use to purchase a new home or refinance an existing home

Learn more about available home renovation financing options1 from our partners at Mortgage Center

Explore resources1 about the home-buying process, budgeting, and steps to take before you apply for a mortgage

One-Time Close Construction Loan

Building a home is an exciting option to customize a space to truly be yours. During construction, you’ll make interest-only payments on your loan. When your home is complete, this loan will automatically convert to a conventional mortgage, and you’ll only need to close on the loan once.
INTEREST
View current rates1
MINIMUM LOAN AMOUNT
$60,000
CONTACT MORTGAGE CENTER
MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Can use for primary residence or secondary home

Learn more about available home construction financing options1 from our partners at Mortgage Center

Explore resources1 about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Student Debt Relief Loan

Your dedication to your education shouldn’t be a barrier in your journey to buy a home. This mortgage option offers flexible loan terms that work with your budget if you have student loans.
INTEREST
View current rates1
MINIMUM LOAN AMOUNT
$40,000
CONTACT MORTGAGE CENTER
MORE DETAILS
10-, 15-, and 30-year fixed-rate terms available

Primary residence only

Learn more about available student debt relief options1 from our partners at Mortgage Center

Explore resources1 about the home-buying process, budgeting, and steps to take before you apply for a mortgage

Group

Check out our free financial calculators to get an idea of your monthly home loan payment.

USE CALCULATORS

Mortgage savings solutions.

For a limited time, Lake Trust members can get a discount of up to 0.50% off your interest rate when you close a new mortgage.6,7
Explore More¹

Home equity loans.

Home equity loans.

Make your house feel a little more like home. If you already own a home, you may be able to use your equity to get financing for other needs. Equity is the difference between the appraised value of your home and the amount you still owe on your mortgage. Home equity loans are a great option if you plan to renovate, expand, or add energy-efficient upgrades to your house or if you’re planning to make a high-dollar purchase.
HomeLoan-2

Fixed Home Equity Loan
AS LOW AS {rate-value}% APR2

A fixed home equity loan allows you to access all your financing at once, making this a great option if you know exactly how much you plan to spend on your project or purchase.
INTEREST
As low as {rate-value}% APR2
MINIMUM LOAN AMOUNT
$10,000
APPLY NOW

MORE DETAILS

Predictable monthly payments over a specific term

Refinance your existing debt, make home improvements, or use for other needs

Primary residence: Both first and second mortgages available

Non-primary residence: Only first mortgage loans available

No application or origination fee

10-, 15-, or 20-year terms

One lump sum access to funds

Escrow available for taxes and insurance

No pre-payment penalty

Consult a tax advisor about potential deductibility of interest

Home Equity Line of Credit (HELOC)
APR2 As low as {rate-value}%, VARIABLE BASED ON PRIME 3

A HELOC allows you to pull funds as you need them, making this a great option if you have to pay contractors or pay for supplies at different times during a project.
INTEREST
As low as {rate-value}% APR2, Variable based on prime3
MINIMUM LOAN AMOUNT
$10,000
APPLY NOW

MORE DETAILS

Access your money when you need it

Funds become available again when you pay down the balance

No application or origination fee

Primary residence only

5-year draw period (may be renewed upon re-evaluation)

Monthly payment: Only 2% of the outstanding principal balance ($100 minimum)

No pre-payment penalty

Consult a tax advisor about potential deductibility of interest

Home Insurance

Safety. Security. And a sense of care. Your finances and your wellbeing go together. Through partnerships with trusted providers, Lake Trust members can access potential discounts on home insurance. Protect your house and property with a home insurance policy that fits your budget and needs while also offering peace of mind.

trustage

Our partners at TruStage4 work with Liberty Mutual and Esurance to pick the best policy for you. Share a little information about what you're looking for to get an instant online quote.

GET A QUOTE1

members-home-and-auto

With a wide range of insurance carrier options, our partners5 can easily find a policy that fits your needs. Fill out a quick online form and a representative will contact you with a quote.

GET STARTED1

Nationwide Mortgage Licensing System (NMLS) Information

Lake Trust’s Regulatory Agency is the Department of Insurance and Financial Services. NMLS#695868. The following professionals are loan originators sponsored by Lake Trust Credit Union.

View all Lake Trust Credit Union NMLS Originators

Johnetta Johnson NMLS#2244424 Dawn Dingman NMLS#2245561
Jacob Luke NMLS#2250986 Samantha Beatty NMLS#2138330
Linnea Lardner NMLS#2244422 Laura Wixson NMLS#1282122
Maxi Horn NMLS#2150919 Ryan Currier NMLS#1911808
Amanda Wurm NMLS#744334 Alexander Grimes NMLS#1943884
Ana Shaffer NMLS#909005 Julia Erickson NMLS#1946043
Melissa Garcia NMLS#1911810 Linda Enness NMLS#2027132
Renae Theeck NMLS#1944140 Rebecca Farr NMLS#1911805
Elizabeth Martin NMLS#1947237 Kathryn Greenwood NMLS#538026
Andrew Hinshelwood NMLS#2032140 Charlotte Jean Pegg NMLS#1141866
Tricia Eldred NMLS#922316 Eric Wesley Ozanich NMLS#728279
Anna Marie Wilson NMLS#1183399 Tamatha Dew NMLS#1838310
Christian Sean Baker NMLS#1911804 Mildred Huffman NMLS#1841225
Kimberly B Spencer NMLS#1225368 Dayana Alfonso NMLS#1472053
Kerry Bushre NMLS#1670695 Thomas Bishop NMLS#1454215
Jill Shelton NMLS#1837794 Collin Davy NMLS#1430959
Netia Brown NMLS#973698 Crystal Fackelman NMLS#2426011
James Carlson NMLS#1668923 Lisa Miller

NMLS#1538325
Heather Donohue NMLS#1508861 Suzanne Gierada

NMLS#514948
Melisa Miller

NMLS#249844

 Liberty McPike

NMLS#1762203
Jamie Smith

NMLS#591213

 Sylvia Pratt

NMLS#879798
Adam Watts

NMLS#1177916

 Rebecca Wood

NMLS#1762563
Shahnaz Agharahimi

NMLS#1761834

 William Eichenberg

NMLS#2425914
Lauren Ward

NMLS#1218012

 Ashlei Brier

NMLS#2436745
Donall Middaugh

NMLS#2309016

 Melissa Karr

NMLS#2466807
Katelyne Anne Pope

NMLS#2359881

 Leah Oleski

NMLS#2466983
Tamiya Jackson

NMLS#2423774

 Kristin VanBibber

NMLS#2467528
Lisa Martens

NMLS#2467069

 Kristin Scarane

NMLS#2486070
Tammie Roth

NMLS#2466677

 Johnda Cece

NMLS#2525983
Jessica Sanderson

NMLS#2486002

 Ashley Horton

NMLS#1599673
Rebecca Beaty

NMLS#645493

 Alicia Walters

NMLS#2543198
Juniper (Hailey) Maner

NMLS#2543043

 Nicole Blanton

NMLS#1496204
Sierra Knoch

NMLS#1699305

 Stacey Bethell

NMLS#2602739
Kelly Collins

NMLS#707508

 Alissia Ferguson

NMLS#2602469
Alexandra Huyck

NMLS#2602151

 Tesha Thompson

NMLS#2602561
Amanda Joseph

NMLS#2591085

 Amanda Fisher

NMLS#2460270
LaChele Capers-Twum

NMLS#2648944

 Shayla Smith

NMLS#2649162
Lucie Leitch

NMLS#2648732

 Ryan Urbanowicz

NMLS#2649183
Matt Hayes

NMLS#12750

 Oranda Lacey

NMLS#2681450
Breanna Udics

NMLS#2682028

 Mackenzie Beeman

NMLS#2721593
Mandy Clair

NMLS#2120537

 Monica Isaac

NMLS#2722002
Alyssa Keena

NMLS#2722331

  

 

 

FINANCIAL WELLBEING LIBRARY

Empower your financial future.

Imagine your dream future. And make a plan to get there. With education and information, you can find more confidence along your journey.

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One Act. Big Impact. The Raffle That Gives Back.

You could win up to $20,000 in the Lake Trust Credit Union Foundation Raffle AND help support wellbeing initiatives in Michigan communities.

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Helping others on their self-care journey.

Sylvia's Sudsery, LLC of Lansing offers artisan soaps, bath bombs, foaming sugar scrubs, and more. But, the heart of Sylvia's Sudsery is to create an accepting and inclusive space that supports others on their self-care journey.

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1 Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site’s privacy policies may differ from those of Lake Trust.

2 APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective July 28, 2025 and subject to change.

3 The HELOC annual percentage rate (APR) can change quarterly based on the value of an index. The maximum APR that can apply during the plan is 18% and the minimum APR that can apply during the plan is 4%.

4 The TruStage Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-1112-21A0.

5 Members Home and Auto is an independent insurance agency and resident agency of the State of Michigan. Policies offered by Members Home and Auto are underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-112-21A0.

 

6 Offer for .25% rate discount is available on 30-year fixed Fannie Mae conforming purchase and refinance transactions. Application must be taken between 6/30/25 - 8/31/25. Mortgage amount must be between $40,000 and $803,500 to be eligible. Mortgage rates current as of 02/18/2025 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 80% and a credit score of 780. A loan amount of $225,000 at an interest rate of 6.750% and an APR of 6.887% has a payment of $1,459.35 with 0 points due at closing.. Payment does not include property taxes/insurances; actual payment will be higher. Offer applies exclusively to Conventional Residential First Mortgages and One Time Close Construction Loans financed with Mortgage Center, and excludes all other mortgage products.

 

7 Offer for .25% rate discount requires monthly direct deposit of at least $400 to an account maintained at Lake Trust Credit Union. Application must be taken between 6/30/25 - 8/31/25.

 

EqualHousing-Logo   Mortgage Center is an Equal Housing Lender, NMLS# 282701.